Homeowner liability is more than child’s play

Before sending your children out to play, be mindful of the liability they can present.

In many cases, your homeowner insurance covers damage to your neighbor’s property if your son or daughter is legally liable, and your liability coverage – whether through your homeowner insurance or a personal umbrella policy – may respond if someone is injured on your property.

It’s always a good idea to keep track of where your children are playing and who is playing in your yard. If an injury occurs on your property, you could be liable for the medical expenses and other damages. You will want to make sure you have taken all the measures necessary to prevent injuries and to protect yourself financially with insurance.

Don’t overlook the liability that scooters and battery-powered toy vehicles can present. If your child injures someone or causes property damage while operating a toy vehicle, not all homeowner policies provide coverage. Reviewing your policies with a professional independent agent will help ensure you are adequately covered.

Also discuss any changes to your property with your agent. Perhaps you have purchased a trampoline or are thinking about installing a swimming pool. Each may be considered an “attractive nuisance” – a legal principle that makes the homeowner responsible if a child trespasses on your property and then is injured. Your liability for trampoline and pool injuries may not be covered by all insurance carriers, so you will want to make sure you are covered if you have these items. In some cases, you can protect yourself by making sure that your yard is fenced and that there is a self-closing, latching gate. Consider a pool alarm for additional protection.

And even with every safety precaution, nothing can replace attentive parental supervision when children are playing.

Have fun, but be careful out there!

Coverages described here are in the most general terms and are subject to actual policy conditions and exclusions. For actual coverage wording, conditions and exclusions, refer to the policy or contact Landmark Risk Management & Insurance.

Testimonials

Debbie

I wanted to let you know how wonderful it was working with your office. It made a difficult situation much easier with you guys on my side. This is not the first time I've received amazing service from your company. It has been my experience since I first signed up with you guys a few years ago. It's first rate service all the way!!

2018-07-25T14:18:29+00:00

I wanted to let you know how wonderful it was working with your office. It made a difficult situation much easier with you guys on my side. This is not the first time I've received amazing service from your company. It has been my experience since I first signed up with you guys a few years ago. It's first rate service all the way!!

http://landmarkriskmanagement.com/testimonials/debbie/

Van Gilder Homes, LLC

"I have been extremely impressed with the level of knowledge and service I have received from Jeremiah Barber and Landmark Risk Management. Jeremiah took the time to learn about my business, understand my situation and propose a plan that adequately covers my business. Jeremiah's effort helped to significantly increase my coverage and at the same time significantly lower my total costs. The entire company has been a pleasure to work with and I highly recommend Landmark Risk Management and their entire team!"

- Dustin Van Gilder

2017-05-25T17:07:49+00:00

"I have been extremely impressed with the level of knowledge and service I have received from Jeremiah Barber and Landmark Risk Management. Jeremiah took the time to learn about my business, understand my situation and propose a plan that adequately covers my business. Jeremiah's effort helped to significantly increase my coverage and at the same time significantly lower my total costs. The entire company has been a pleasure to work with and I highly recommend Landmark Risk Management and their entire team!" - Dustin Van Gilder

Stapley Pharmacy

“I should have moved my insurances to Landmark sooner. Everyone and Everything has been great. They handle it all from my personal home to my business, including health insurance. Love them.”

- Brad Stapley

2017-05-25T17:07:10+00:00

“I should have moved my insurances to Landmark sooner. Everyone and Everything has been great. They handle it all from my personal home to my business, including health insurance. Love them.” - Brad Stapley

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We really love working with Landmark. They beat our old commercial insurance prices and then when we need a certificate sent to a customer, it is done within minutes instead of hours or days with our last company. Give them your business!!!

2014-01-24T18:01:21+00:00

We really love working with Landmark. They beat our old commercial insurance prices and then when we need a certificate sent to a customer, it is done within minutes instead of hours or days with our last company. Give them your business!!!

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Wilkinson Electric

“Landmark Insurance has managed our insurance needs for nearly 5 years. As part of our insurance due diligence process, we have an annual review and open bid process that Landmark continues to earn our business. They consistently earn our business through competitive pricing, quick turnaround response time and value-added products and services. The entire Landmark team always demonstrates best industry practices that make us feel like we are their only customer.”

- Travis T Wilkinson

2017-05-25T17:04:24+00:00

“Landmark Insurance has managed our insurance needs for nearly 5 years. As part of our insurance due diligence process, we have an annual review and open bid process that Landmark continues to earn our business. They consistently earn our business through competitive pricing, quick turnaround response time and value-added products and services. The entire Landmark team always demonstrates best industry practices that make us feel like we are their only customer.” - Travis T Wilkinson